Standard Personal Loan - Variable, and Standard Personal Loan - Fixed comparison rate is based on a secured or unsecured loan of $30,000 borrowed for 5 years

Car Loan - Fixed comparison rate is based on a secured loan of $30,000 borrowed for 5 years

Low Rate Secured comparison rate is based on a term deposit secured loan of $10,000 borrowed for 3 years.

WARNING: These comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

†^Home loan comparison rate based on a $150,000 loan over 25 years. Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

^Interest rates are on a per annum basis. Rates are correct as stated and subject to change without notice. Home loan rates shown are for new owner occupier, principal and interest, maximum 80% LVR (variable rate only) loans and may not apply to switches or internal refinances. Home Advantage Package and Living Equity rates shown are for loan amounts of $700,000 or more. For all our rates including rates for Investment lending and Interest Only payments view our Home Loan Interest Rates.

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Home Advantage Variable rates include discounts shown from the Standard Variable rate. Home Advantage Living Equity rates include discounts from the Living Equity rate. Discounts are based on total lending in the package. Discount Variable LVR rates are for new lending and include discounts from the Discount Variable Loan Rate. Discounts are not available in conjunction with any other interest rate discount or special offer. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term.

Fixed rate loans may be subject to significant break costs, the terms and details of which are specified in your credit contract. Rate Guarantee may be applied.

To approved applicants only. Conditions, criteria and fees apply.

~Loan to Value Ratio (LVR) is the loan amount divided by the value of your security property (determined by Heritage Bank at assessment), multiplied by 100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a maximum LVR of 90% and Living Equity has a maximum LVR of 85%.

‡This advice has been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs.

§Generate a personalised Key Fact Sheet based on your loan amount, term and repayments. This tool is provided to help you compare home loans from Heritage with other financial institutions.

Standard Personal Loan - Variable, and Standard Personal Loan - Fixed comparison rate is based on a secured or unsecured loan of $30,000 borrowed for 5 years

Car Loan - Fixed comparison rate is based on a secured loan of $30,000 borrowed for 5 years

Low Rate Secured comparison rate is based on a term deposit secured loan of $10,000 borrowed for 3 years.

WARNING: These comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

†^Home loan comparison rate based on a $150,000 loan over 25 years. Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

^Interest rates are on a per annum basis. Rates are correct as stated and subject to change without notice. Home loan rates shown are for new owner occupier, principal and interest, maximum 80% LVR (variable rate only) loans and may not apply to switches or internal refinances. Home Advantage Package and Living Equity rates shown are for loan amounts of $700,000 or more. For all our rates including rates for Investment lending and Interest Only payments view our Home Loan Interest Rates.

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Home Advantage Variable rates include discounts shown from the Standard Variable rate. Home Advantage Living Equity rates include discounts from the Living Equity rate. Discounts are based on total lending in the package. Discount Variable LVR rates are for new lending and include discounts from the Discount Variable Loan Rate. Discounts are not available in conjunction with any other interest rate discount or special offer. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term.

Fixed rate loans may be subject to significant break costs, the terms and details of which are specified in your credit contract. Rate Guarantee may be applied.

To approved applicants only. Conditions, criteria and fees apply.

~Loan to Value Ratio (LVR) is the loan amount divided by the value of your security property (determined by Heritage Bank at assessment), multiplied by 100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a maximum LVR of 90% and Living Equity has a maximum LVR of 85%.

‡This advice has been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs.

§Generate a personalised Key Fact Sheet based on your loan amount, term and repayments. This tool is provided to help you compare home loans from Heritage with other financial institutions.